Teachers Health Travel Insurance

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    The Teachers Health Fund (THF) is run for teachers, by teachers, and is currently one of Australia’s biggest industry-based insurance funds. Teachers Health Travel Insurance products are products are underwritten by Allianz Australia.
    Teachers Health travel insurance is not currently available via finder. You can visit their website at www.teachershealth.com.au for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Teachers Health Travel Insurance policies

    Comprehensive

    This is the broadest Teachers Health Travel Insurance product providing a wide range of cover:

    • Unlimited cover for overseas emergency medical assistance and hospital expenses
    • Hospital cash allowance
    • Alternative transportation costs
    • Loss of income
    • Cancellation fees and/or lost deposits, and
    • Additional expenses

    Domestic

    This travel insurance plan is for travel within Australia, and therefore does not cover incidents related to personal injury that would fall under the terms of your own health insurance policy. However, it does provide cover in the following cases:

    • Accidental death
    • Additional expenses
    • Travel delays
    • Loss of luggage

    Multi-trip

    Available for a period of 12 months, this plan is ideal for those who travel often. You are covered for:

    • Emergency medical assistance
    • Hospitalisation
    • This basic travel insurance plan covers the bare necessities, including:
    • Unlimited medical assistance
    • Hospitalisation
    • Additional expenses
    • Loss of luggage and personal effects
    • Cancellation fees and/or lost deposits

    Cancellation and Luggage Plan

    Also available as a single, duo or family option, this plan speaks to two sections of the policy:

    • Cancellation fees
    • Loss or theft of your luggage and personal effects

    How do the policies compare?

    BenefitsComprehensive planEssentials planDomestic planMulti-trip planNon-medical plan
    Overseas Emergency Assistance
    • Unlimited
    • Unlimited
    • No cover
    • Unlimited
    • No cover
    Overseas Emergency Medical & Hospital Expenses
    • Unlimited
    • Unlimited
    • No cover
    • Unlimited
    • No cover
    Emergency Dental Expenses [per person]
    • $1,000
    • $1,000
    • No cover
    • $1,000
    • No cover
    Accidental Death
    • $25,000
    • No cover
    • $25,000
    • $25,000
    • $25,000
    Permanent Disability
    • $25,000
    • No cover
    • No cover
    • $25,000
    • $25,000
    Hospital Cash Allowance
    • $5,000
    • No cover
    • No cover
    • $5,000
    • No cover
    Loss of Income
    • $10,400
    • No cover
    • No cover
    • $10,400
    • No cover
    Cancellation Fees and Lost Deposits
    • Unlimited
    • $20,000
    • Unlimited
    • Unlimited
    • Unlimited
    Additional Expenses
    • $50,000
    • $25,000
    • $25,000
    • $50,000
    • $50,000
    Travel Delay Expenses
    • $2,000
    • $2,000
    • $2,000
    • $2,000
    • $2,000
    Alternative Transport Expenses
    • $5,000
    • No cover
    • No cover
    • $5,000
    • $5,000
    Luggage and Personal Effects
    • $10,000
    • $3,000
    • $10,000
    • $10,000
    • $10,000
    Luggage and Personal Effects Delay Expenses
    • $500
    • $250
    • $500
    • $500
    • $500
    Travel Documents, Transaction Cards and Travellers Cheques
    • $5,000
    • No cover
    • No cover
    • $5,000
    • $5,000
    Theft of Cash
    • $250
    • No cover
    • $250
    • $250
    • $250
    Rental Vehicle Excess
    • $3,000
    • $3,000
    • $3,000
    • $3,000
    • $3,000
    Personal Liability
    • $5 million
    • $2.5 million
    • $5 million
    • $5 million
    • $5 million

    Note: Information in the table is correct as of September 2019

    Additional options available on Teachers Health Travel Insurance policies

    While certain sports and activities are covered automatically under the terms of the policy, you have the option to upgrade your plan with additional options.

    Teachers Health Travel Insurance Snow Pack

    This optional extra is available on the Comprehensive, Domestic and Multi-trip plans for an additional premium and covers:

    • Emergency rescue
    • Loss or damage to your own or hired ski equipment
    • Bad weather
    • Piste closure

    Teachers Health Travel Insurance Golf Pack

    If you’re planning a stay in a golf resort or just spending a few days on the greens, you can boost your current plan with this optional extra to cover:

    • Personal and hired golfing equipment and
    • Golf green fees

    Teachers Health Travel Insurance Cruise Pack

    Cruise ships go in and out of international waters, and if your policy doesn’t cover injury or loss internationally, the financial ramifications can be catastrophic. The additional premium ensures coverage for:

    • Medical expenses
    • Evacuation to shore
    • Confinement to your cabin
    • Spoilt formal attire
    • Marine rescue diversion

    Teachers Health Travel Insurance Bicycle Pack

    For an extra premium, you can have your bicycle insured for up to $15,000.

    Teachers Health Travel Insurance Adventure Pack

    A number of extreme sports are not covered under the travel insurance policy “automatically included sports and activities” section, so if you’re planning to engage in high-risk sports during your holidays, you'll need to cover possible injury or loss with the Adventure Pack.

    General exclusions that apply to THF Travel Insurance

    You will not have cover under any section of your Teachers Health Travel Insurance policy if your claim arises from:

    • Acting intentionally or recklessly
    • Consequential loss
    • Aware of circumstances
    • Errors or omissions
    • Insolvency
    • Illegal acts
    • Government confiscation
    • Epidemic/ pandemic
    • Government warning
    • Travel against medical advice
    • Under the influence of intoxicating drugs or alcohol
    • Engaging in professional sports

    Teachers Health Travel Insurance claims

    If you have to submit a claim, the key is to do it as quickly as possible after the incident. Peruse the conditions of your Teachers Health Travel Insurance policy to make sure that the incident is covered by your plan or optional extras. Here’s how to go about submitting a claim.

    Get in touch

    • Download the claims form and send it to Teachers Health Travel Insurance, or get in touch via telephone. It’s imperative to be quick about it – any perceived delays can result in reduced pay-outs and penalties to cover the loss on the provider’s end.

    Be thorough

    • Provide all information and documentation required by Teachers Health Travel Insurance including receipts, police reports, medical reports and proof of ownership. Remember, if you leave out crucial details or provide false information, your claim will be rejected and your policy cancelled.

    Australian dollars

    • Once approved, your cover will be paid in Australian dollars into the back account you specify.

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    2 Responses

      Default Gravatar
      PaulDecember 7, 2015

      My wife and I are booking a 9 day trip to Hong Kong in early March and a 20 day trip to Vietnam and Cambodia in late November/early December.

      Would a yearly comprehensive travel insurance policy be cheaper than a separate policy for each trip.

        Avatarfinder Customer Care
        RichardDecember 7, 2015Staff

        Hi Paul,

        Thanks for your question.

        It will depend on the level of cover and the insurer you choose to go with. We have a page that compares the cost of a single trip policy with that of an annual insurance for multi-trips. These costs were correct as of September 2015, so while these costs may have changed they should give you a general idea of where you’ll find the best value.

        Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        I hope this was helpful,
        Richard

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